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The Intersection : J.M. Wilson Blog

The MCS90/ BMC91X - What does it do, and when does it respond?

Posted by Sandi Fritz, CIC, TRS on Sep 27, 2016 9:30:00 AM

I am often asked, "What is the MCS90", "When does it respond on the policy?", or "Who needs an MCS90 ?" 

The MCS90 actually came to be during The Motor Carrier ACT of 1980. The act states that each motor carrier traveling "interstate" for-hire is required to show proof that they have a financial responsibility equal to or greater than the minimums required by each state. This can be done either by self-insure, surety bond or "insurance" through a transportation insurance market, and will require the MCS-90.

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Topics: insurance, Transportation / Trucking, transportation

"Bonded and Insured" - What's the Big Deal?

Posted by Steve Kuykendall on Sep 20, 2016 9:30:00 AM

A new homeowner looking to hire a professional for renovations will quickly be told by homeowner veterans to only hire a business who is “bonded and insured”.  While to a new homeowner this may just sound like contractor jargon, the two are different. Both offer important forms of protection that allow all parties involved to rest easy. 

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Topics: insurance, Surety, liability insurance, bond/surety, bond, professional liability

How You Can Benefit From Premium Financing

Posted by Crystal Russell on Sep 13, 2016 9:45:00 AM

Everyone needs insurance. However, sometimes, it can be hard for individuals and businesses to afford the insurance they need. If the insurance policy premium isn't available right out-of-pocket, then financing a policy is a great option for both your insured and you, as their insurance agent.
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Topics: insurance, Customer Service, Insurance Tips, financing, cedar finance, premium financing, insurance policy

Excess Liability and Umbrella Coverage - Know the difference for your insured

Posted by Roxanne Barry, CIC, CISR on Sep 7, 2016 9:30:00 AM


Excess or Umbrella? Which one do I need? What’s the difference?

This is not an easy question to answer, as the lines become easily blurred, and carriers will sometimes refer to any type of “excess” coverage as umbrella, when the true definition of an umbrella is a little broader.

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Topics: insurance, Property & Casualty, excess and surplus insurance, excess & surplus, Brokerage, umbrella

Inside Scoop: How to Get Your Quote in the Fast Lane

Posted by Erin Dey on Aug 30, 2016 9:30:00 AM

After you've submitted a risk, is it possible to get a quote back too soon? Probably not. Time is always of the essence. If you want to send your application to the top of the stack on an underwriter's desk and bind coverage even faster, you might want to keep this blog post bookmarked.

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Topics: Insurance Tips, underwriting, binding, tips

5 Ways to Kick Start Your Creativity

Posted by Kristin O'Leary on Aug 23, 2016 9:30:00 AM


Creativity in the workplace is essential, but too often we become comfortable with our daily routine.  We must continue to evolve and continue to question ourselves. 

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Topics: creativity, new ideas, innovation

Does your insured have all the coverage they need?

Posted by James Reincke, AU, AIS on Aug 16, 2016 11:30:00 AM


We’ve all heard stories of frustrated individuals suing; from medical procedures gone wrong, overlooked mistakes on the job site to financial advice gone awry.  So, what happens when an individual doesn’t just sue the business, but also the professional who assisted, advised or treated them? A company can protect its employees from legal discourse by providing professional liability coverage.

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Topics: insurance, Professional / E&O, insurance coverage, professional liability, professionals

Professional Liability, E&O, Malpractice – What’s the Difference?

Posted by James Reincke, AU, AIS on Aug 9, 2016 9:30:00 AM

No matter how cautious, everyone makes mistakes at some point in their career. From typos to missing a deadline, we’ve all had a slip-up in the office; however, not all professions can bounce back as quickly after making a mistake. Many have high stakes when it comes to performing their job. Forgetting an aspect of a routine task is much different for a doctor, attorney or consultant. When looking at different coverages for a professional there are a few options; professional liability, errors & omissions and malpractice. For the insured it can be overwhelming and have them asking, “What’s the difference?”

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Topics: insurance, Professional / E&O, malpractice, professional liability


Posted by Erin Dey on Aug 2, 2016 9:00:00 AM

Okay, so that’s not a real number so please don’t call it, but DO call your underwriter at JM Wilson because we have the ability to phone quote!

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Topics: insurance, phone quoting, general liability

Pokémon Go: When Catches Lead to Claims

Posted by Alyssa Salman on Jul 26, 2016 9:30:00 AM

Pokémon Go - the latest phenomenon in the world of smart phone apps - has officially blended the virtual world with reality ...and the consequences of this fusion are causing quite a commotion in the insurance industry. 

In less than one week, this wildly popular game already had roughly 15 million users from 27 countries around the globe. That's more users than Twitter has seen in their lifetime! So, what's the problem? Pokémon Go players aren't paying attention - to anything. As more users start joining-in on the fun, accidents are happening due to lack of awareness and direction. These aren't minor accidents either - people are walking off of cliffs, falling out of trees, getting hit by cars, the list goes on. Take these for example:

One Pennsylvania player was hit by a car while following her Pokémon map across a busy highway. The girl is now hospitalized with a broken collarbone and foot, as well as many bumps and bruises. Another incident consisted of an Alabama man wandering for augmented Pokémon outside of a vacant building. He was attacked and robbed at gunpoint. Various state police have put out press releases warning gamers to be careful where they hunt for these creatures since it encourages wandering and unawareness of surroundings. 

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Topics: insurance, coverage, risk, augmented reality, mobile, Pokémon Go, game, app, virtual world

Disclaimer: This article is for informational purposes only. There is no legal advice being suggested or proffered. The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. This article is the opinion of the author and is not supported or endorsed by J.M. Wilson. It should not be relied upon and may contain inaccuracies or content may have changed over time, contact your underwriter for the most current and accurate information. Any comments or responses are the opinions of their authors. Content on this site is believed to be covered under Fair Use.

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